Fund details BT Lifetime Super – Employer Plan
Retirement Wrap USI BTA0136AU RSE R1001327 ABN 39 827 542 991
Trustee BT Funds Management Limited ABN 63 002 916 458 AFSL No. 233724 RSE No. L0001090
Fund details BT Business Super
Westpac Master Trust Superannuation Division USI WFS0112AU RSE R1003970 ABN 81 236 903 448
Trustee Westpac Securities Administration Limited ABN 77 000 049 472 AFSL 233731 RSE L0001083
BT Funds Management Limited (ABN 63 002 916 458) is the issuer of Retirement Wrap (ABN 39 827 542 991). Westpac Securities Administration Limited (ABN 77 000 049 472) is the issuer of Westpac Master Trust Superannuation Division (ABN 81 236 903 448).
A Product Disclosure Statement (PDS) is available for BT Lifetime Super – Employer Plan and BT Business Super and can be obtained by calling 132 135, or visiting www.bt.com.au/workplacesuper/employee. You should obtain and consider the PDS before deciding whether to acquire, continue to hold or dispose of BT Lifetime Super – Employer Plan or BT Business Super.
An investment in BT Lifetime Super – Employer Plan or BT Business Super is not an investment in, deposit with or any other liability of Westpac Banking Corporation ABN 33 007 457 141 (the Bank) or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment of withdrawal proceeds and loss of income and principal invested. None of the Bank, any other company in the Westpac Group or any appointed investment manager stands behind or otherwise guarantees the capital value or investment performance of BT Lifetime Super – Employer Plan or BT Business Super.
Before you enter into a contract of life insurance with us, you have a duty, under the Insurance Contracts Act 1984, to disclose to us every matter that you know, or could reasonably be expected to know, that is relevant to our decision whether to issue you with an insurance policy, and if so, on what terms.
You do not need to disclose anything that would reduce our risk, that is of common knowledge, that we know in the ordinary course of our business, or that we tell you that you do not need to disclose. Your duty of disclosure extends beyond the time of your completion of the application up until we accept the application and issue a policy. The same duty of disclosure applies before you renew, extend, vary or reinstate a policy.
If you fail to comply with your duty of disclosure and we would not have entered into a policy on any terms if the failure had not occurred, we may avoid the contract with 3 years of entering into it. If your non-disclosure or misrepresentation is fraudulent, we may avoid it at any time.
Employer obligations: Neither BT Funds Management Limited (ABN 63 002 916 458) and Westpac Securities Administration Limited (ABN 77 000 049 472) have reviewed any awards or other industrial instruments or agreements that are, or may become relevant to your employees. BT Lifetime Super – Employer Plan or BT Business Super may not satisfy your obligations under any such award or industrial instrument or agreement. Before making a decision about BT Lifetime Super – Employer Plan or BT Business Super, we recommend that you seek legal advice on its appropriateness, having regard to the requirements of any awards or other industrial instruments or agreements that are, or may become applicable.
© BT Financial Group – A Division of Westpac Banking Corporation. This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation and needs. Consider our disclosure documents which include our Financial Services Guide.